Analyst: Business Bank Credit (Commercial Credit) at Capitec Bank

Purpose Statement


To support the Credit Manager in the management of the credit portfolio in the assessment and verification of credit applications and assessing credit risks prior to the migration of risk groups to other areas of the Bank.


Experience


3+yrs previous general banking experience, of which 1-2 years should have been spent in the Business Banking environment.
Financial statement analysis and pre-checking of credit applications


Qualifications (Minimum)


Grade 12 National Certificate / Vocational


Qualifications (Ideal or Preferred)


National Diploma in Accounting - Financial Accounting or Banking


Knowledge


General understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to this market.
Good knowledge of general banking practices and procedures, especially within a Business Banking environment.
Good knowledge and understanding of Credit products, features and benefits.
Knowledge of Credit principles and practices, including an understanding of credit applications, collateral and financial statement requirements.
Knowledge of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the Business market and the legislative restrictions and requirements governing these from a financial services perspective.


Skills


Numerical Reasoning skills
Attention to Detail
Problem solving skills
Analytical Skills
Computer Literacy (MS Word, MS Excel, MS Outlook)